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The Home Loan Agreement is a fundamental legal document used in Qatar's property financing sector, essential for both conventional and Islamic banking transactions. It serves as the primary contract between financial institutions and individuals seeking to purchase residential property through financing. The agreement must comply with Qatar Central Bank regulations, the Civil Code, and property registration laws, while potentially incorporating Sharia-compliant structures for Islamic financing options. This document is typically required when purchasing residential property with bank financing in Qatar, and includes comprehensive details about loan terms, property security, payment obligations, and enforcement rights. The agreement's structure reflects Qatar's unique legal framework, combining aspects of civil law with Islamic finance principles where applicable, and must be registered with relevant authorities to create a valid security interest over the property.

1. Parties: Identification of the lender (bank/financial institution) and borrower(s) with full legal names and details

2. Background: Context of the loan agreement, including property details and purpose of the loan

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the loan amount, currency, and confirmed purpose of the loan

5. Interest Rate and Profit: Details of applicable interest rates or profit rates (for Islamic financing), including calculation methods

6. Term and Repayment: Duration of the loan and repayment schedule, including installment amounts

7. Security and Mortgage: Details of the mortgage over the property and any other security arrangements

8. Conditions Precedent: Conditions that must be satisfied before the loan is advanced

9. Borrower's Representations and Warranties: Statements of fact and assurances given by the borrower

10. Borrower's Covenants: Ongoing obligations and commitments of the borrower

11. Events of Default: Circumstances that constitute default and consequences thereof

12. Bank's Rights and Remedies: Actions the bank can take in case of default or breach

13. Insurance Requirements: Mandatory insurance coverage for the property

14. Fees and Expenses: All applicable fees, charges, and expenses

15. Governing Law and Jurisdiction: Confirmation of Qatar law as governing law and jurisdiction for disputes